A short overview of why it can be vitally necessary for businesses to engage a Public Adjuster before or after a natural disaster. This is especially true of businesses located in disaster prone areas of the country.

1. UH-OH!
Where’s Your Public Adjuster?

2. CATASTROPHIC HURRICANE LOSSES IN THE
UNITED STATES, 1998-2007
Year Number of Catastrophic Hurricanes Insured loss*
• 1998 2 $4.2 Billion
• 1999 5 $2.9 Billion
• 2000 0 NA
• 2001 0 NA
• 2002 1 $496.0 Million
• 2003 2 $2.0 Billion
• 2004 5 $25.1 Billion
• 2005 6 $61.9 Billion
• 2006 0 NA
• 2007 0 NA
*Adjusted to 2007 dollars by ISO. Does not include flood damage covered by the federally administered NFIP.

3. (1) Includes hail, lightning, and tornado.
(2) Includes winter storm, winter damage, cold wave, and blizzards.
(3) Includes river flood, and flash flood. Exclude flood damage losses caused by tropical cyclone and hurricane.
(4) Includes flooding caused by hurricane, tropical cyclone. Includes loss information from National Flood Insurance Program.
Source: © 2015 Munich Re, Nat Cat SERVICE. As of January 2015.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2005-2014

4. What is a Public Insurance Adjuster (PA)?
• Only category of
insurance adjuster that
works on behalf of you,
the policy holder
• A PA is essentially your
own adjuster
• PA’s present your claim
to your insurance carrier
for maximum financial
recovery

5. What are Your Challenges?
• Working without your own adjusters
• Forming a damage mitigation plan
• Producing business interruption
calculations
• Producing reams of loss detail for your
insurance carrier

6. Recovery is a Process…
No one knows your business better than you do,
and following a major loss is perhaps the most
critical time to apply that knowledge toward a
successful recovery. A crucial foundation,
however, is the financial component.

7. How Does a PA Assist You?
• Evaluates your insurance policy to
establish the best possible
strategy for presenting your claim
to the carrier
• Valuing, documenting and
substantiating every detail
• Negotiating on your behalf with
your insurance company
• Keeps you informed every step of
the way
• Settles the claim for the
maximum amount and with
infinitely less hassle for you

8. What’s Next?
Your claim will be
assigned to a team of
experts who will be
with you from
beginning to end,
personally assuring
that all goes
smoothly. PA
professionals can
provide some or all of
the following services:

9. Services Provided…
• Conduct a comprehensive review of your policy
• Assist you in complying with your policy's requirements, ie: damage
mitigation and time limitations
• Develop a proactive claim management strategy
• Researching and substantiating every aspect of your claim, including
building damage, contents, business interruption, and extra expense claims
• Present and support an itemized claim package to your insurer
• Work as your advocate
• Secure the best possible settlement in the shortest possible time frame
• Communicate with you every step of the way

10. What Types of Disasters do PA’s Handle?
PA’s can help you recover from any disaster
covered under your property insurance
policy and its endorsements.
• Hurricane
• Tornado
• Flood
• Hail
• Earthquake
• Collapse
• Fire

11. Will FEMA Be Involved?
Private Non-Profit (PNP)
facilities that provide the
following critical services are
eligible for FEMA Public
Assistance:
– Fire / Emergency Rescue
– Medical Treatment
– Power, Water, & Sewer
Utilities
– Communications Systems

12. PNP Essential Services…
The following essential service facilities are eligible for
FEMA Public Assistance for emergency work. However,
the PNP must first apply to the Small Business
Administration (SBA) for a disaster loan for permanent
repair work before applying to FEMA.
▪ Libraries
▪ Museums
▪ Community centers
▪ Educational institutions
▪ Homeless Shelters
▪ Rehabilitation facilities
▪ Zoos
▪ Shelter workshops
▪ Senior/Day-care centers

13. Your Insurance Settlement is First…
An accurate understanding of your anticipated insurance
settlement is necessary to move your eligible FEMA
grant forward. The two processes take different
perspectives on everything from what’s eligible to how
it’s quantified. PA professionals understand both
processes and help you establish a well-documented
insurance claim as the basis for your recovery.
A PA expert unites the insurance and FEMA portions of
your disaster recovery into one financial recovery
strategy.

14. PA’s Will…
• Fully review your insurance coverage
• Determine policy compliance issues
• Develop a claim management strategy
• Complete detailed valuations of building, equipment and
inventory losses
• Formulate business interruption models
• Assemble comprehensive claim presentations with
expert reports
• Expedite the entire process
• Integrate the insurance claim with your FEMA recovery

15. PA Compensation…
Property insurance claims are
complicated, and the learning
curve is steep. PA service fees,
usually based on a percentage of
your claim, is minimal in relation to
your claim settlement and is offset
by the better settlement you are
likely to receive with PA
involvement—not to mention the
time, hassle, and anxiety PA
experts can save you.
In addition, PA expertise is
focused on improving your
financial recovery. If a PA doesn't
think their involvement will make a
difference, they'll tell you.

16. At The End of The Day…
When dealing with a catastrophic loss, property insurance claims present a
unique challenge to business owners trying to work without the help of their own
claims adjusters. Not only are they faced with critical business recovery
decisions, they are also responsible for damage mitigation, business
interruption calculations and the need to produce reams of loss detail for their
insurance carrier. Business owners will soon find themselves trying to
navigating a complicated, hard to understand insurance claim. It is definitely a
good time to call in an established team of expert public adjusters to handle
your claim settlement.